Pet Care Insurance Review 2024: Pros, Cons & Verdict

The put up Pet Care Insurance Review 2024: Pros, Cons & Verdict by Catster Editorial Team appeared first on Catster. Copying over complete articles infringes on copyright legal guidelines. You will not be conscious of it, however all of those articles had been assigned, contracted and paid for, so they are not thought of public area. However, we recognize that you just just like the article and would adore it should you continued sharing simply the primary paragraph of an article, then linking out to the remainder of the piece on Catster.com.

Click to Skip Ahead

Our Review
Pricing & Plans
Deductibles & Claims
Coverage
FAQ
Conclusion

Our Final Verdict

We give Pet Care Insurance an total score of 4.9 out of 5 stars.

Click to Compare Pet Care Plans

As a pet skilled, you realize the significance of defending your enterprise and your purchasers. You additionally understand how unpredictable four-legged companions could be. That’s why selecting dependable insurance coverage is so necessary. If you have got a enterprise within the pet trade (cat sitter, pet groomer, canine daycare, and so on.), Pet Care Insurance (PCI), will defend you and your purchasers it doesn’t matter what life throws at you. With their customized add-ons, you gained’t have to fret concerning the what-ifs or worst-case eventualities. Whether a kitten will get sick below your care otherwise you lose your shopper’s keys, PCI has you coated.

Pet Care Insurance Review

Pros

• Exclusively designed for small enterprise pet professionals
• Customizable protection
• Online transactions
• Claim submitting is fast and straightforward
• Live chat obtainable
• Downloadable certificates at checkout

Cons

• Customizations are bought individually
• Some protection objects require deductibles

About Pet Care Insurance

PCI is an insurance coverage supplier that companies small pet companies. They had been based in 2013 as a subdivision of Veracity Insurance and have been on a mission to offer pet professionals with accessible and inexpensive insurance coverage. Unlike conventional insurance coverage, PCI solely caters to companies within the pet trade, which implies they know the sorts of issues you and your furry purchasers face. Over the previous decade, they’ve been trusted by over 14,000 pet care professionals throughout greater than 10 industries.

A number of of the industries PCI covers embody:

• Pet Sitters
• Dog Walkers
• Pet Groomers
• Mobile Pet Groomers
• Dog Trainers
• Pooper Scoopers
• Pet Kennels
• Doggy Daycares
• Pet Boarders
• Cat Sitters
• Dog Sitters
• Pet Taxi Services

There’s by no means time for minor accidents or main catastrophes, and it may be laborious to search out insurance coverage that offers you full protection. But, with PCI, it’s easy. You get intensive legal responsibility protection with the Base Policy and get to choose and select customized insurance policies that greatest suit your wants. This means cat sitters get protection for drop-in visits whereas pet groomers get protection for tooth cleanings. With their versatile coverage choices, you’re protected for all the things you want and also you’re not caught paying for stuff you don’t.

Best of all, it’s inexpensive. PCI is dedicated to holding premiums low and protection excessive, so you possibly can have peace of thoughts that you just’re protected with out blowing your finances. While PCI doesn’t supply insurance coverage for companies exterior of your pet enterprise (together with pet medical insurance), they’re a terrific possibility for pet professionals throughout the United States.

Pricing & Plans (Updated in 2024)

Pet Insurance Cost Comparison

Base Policy

When you buy insurance coverage from PCI, you’ll get protection for quite a lot of unexpected occasions, like property injury, accidents, and accidents (to call just a few). Unlike different insurance coverage suppliers, PCI’s Base Policy contains Animal Bailee and Veterinarian Reimbursement. This means you’ll robotically get monetary safety for animal-related accidents or veterinary bills at no extra price to you.

The Base Policy additionally covers the next:

• Dog walkers
• Pet waste elimination
• Pet taxi companies
• Basic care of shopper’s pet(s)
• Bathing and brushing (not associated to grooming)
• Teaching primary instructions (sit and keep)

Customizations

PCI affords customized insurance policies for pet professionals primarily based on particular person enterprise wants. The following choices can be found as add-ons to your coverage.

Higher Animal Bailee Coverage Limits

If you’re chargeable for accidents or (worst case state of affairs) the loss of life of an animal in your care, Animal Bailee protects your enterprise. While that is robotically included in each coverage, the add-on permits you to buy increased limits (as much as $30,000) if wanted.

Independent Contractors Coverage

This is a superb possibility should you rent impartial contractors. It supplies protection for impartial contractors and allows you to embody them in your plan.

Broadened Property Damage Coverage

This covers property injury attributable to pets below your care.

Dog Training Coverage

If you’re a canine coach, this protects in opposition to incidents associated to coaching past primary instructions, like habits and obedience.

House Sitting Coverage

This covers in a single day and drop-in house-sitting companies, in addition to meals, water, and drugs administration.

Pet Taxi Coverage

Pet Taxi Coverage is a superb add-on for anybody who transports four-legged mates. To be eligible, you could guarantee the next:

• Pets are separated in an emergency
• Pets are checked for temperament
• You gained’t transport greater than 5 pets in a single car

Employee Dishonesty

In the occasion an worker steals from a shopper or damages their property, this may cowl monetary loss and property injury.

Pet Daycare

This covers in a single day and daytime daycares in any non-public location or facility that you just hire or personal. It additionally covers meals, water, and drugs administration.

Pet Groomers Professional

You’ll have to buy this if most of your income comes from grooming and tooth cleansing.

Equipment & Inventory 

Also referred to as Inland Marine Insurance, Equipment & Inventory protects in opposition to broken or stolen tools, stock, and provides.

Deductibles & Claims

There is a $250 deductible for Veterinary Expense Reimbursement and Equipment and Inventory protection (per incident). You’ll pay the invoice in full earlier than reimbursement and the suitable quantity will probably be deducted after submitting a declare.

For instance, in case you are pet-sitting a cat that will get sick and the vet invoice is $800, you’re required to pay the $800 invoice no matter why the cat is sick or whose fault it’s. Once you file the declare, you’ll obtain reimbursement.

Filing a declare is simple and could be accomplished on-line by way of your on-line dashboard. All you might want to do is fill out the shape together with your contact data and particulars concerning the incident. It’s greatest to examine the listing of exclusions earlier than submitting to verify your incident is roofed.

Within 24 to 48 enterprise hours after submitting the shape, you’ll obtain a cellphone name or e mail from one in every of PCI’s Service Agents. The agent will collect extra data after which cross the declare to their insurance coverage provider (Lloyds of London), the place it is going to be reviewed and validated. This is the longest a part of the method and will take a number of weeks or months. If it’s accepted, the declare will probably be settled and the method is full.

What Does Pet Care Insurance Cover?

PCI covers a spread of accidents, incidents, and liabilities. The following desk reveals every protection merchandise included within the Base Policy for all pet enterprise house owners.

Not Covered

• Any animals owned by the insured or breeding
• Housesitting operations (with out pets current) that generate greater than 45% of your annual income
• Kennel operations (greater than 5 pets staying over on a single evening)
• Landscaping companies
• Livestock or cattle
• Pet companies or daycare operations of greater than 10 pets at one time
• Pet look after animals that aren’t family pets
• Pet taxi companies for greater than 5 pets at one time
• Practice or participation in any athletic contest, exhibition, exercise, sport, or sport
• Professional veterinarian companies
• Training operations of service, guard, safety, assault, or combating canines

Waiting Periods

Filing a declare solely takes a few minutes and PCI streamlines the method for you so you possibly can rapidly and effectively full the method on-line. After submitting the web type, a Service Agent will get in contact with you through e mail or cellphone inside 1-2 enterprise days.

While submitting a declare is quick, it may take a number of weeks or months so that you can hear again from the insurance coverage provider about whether or not your declare was accepted or denied. Since each case is totally different, there isn’t a delegated ready interval, so it’s necessary to plan accordingly.

Reviews from Customers

With a powerful 4.9 out of 5-star score throughout a number of websites, the general consensus is that PCI is a service you possibly can belief. Satisfied pet professionals rave about how simple and user-friendly it’s to enroll in a coverage, file claims, and navigate PCI’s web site. When in comparison with competitor insurance coverage suppliers, pet enterprise house owners say they switched to PCI on account of their inexpensive costs and complete protection plans.

From the a whole lot of Google critiques, it’s clear that PCI additionally has a stellar customer support group. Happy prospects communicate extremely of PCI’s Service Agents, saying they weren’t solely useful when troubleshooting issues and answering questions, however affected person, courteous, {and professional} whereas doing so.

Frequently Asked Questions (FAQ)

What if I would like protection for my pet?

While PCI is a superb possibility for pet enterprise house owners, they don’t present protection for furry relations. If you’re searching for pet medical insurance, PCI has partnered with two premium suppliers, Hartville Pet Insurance and Trupanion, that can assist you entry the pet care you want.

How lengthy does it take for my insurance coverage to be efficient?

After your cost is verified, your coverage will go into impact instantly. At this level, you’ll have entry to your account and be capable of add any optionally available insurance policies you may want.

How lengthy am I coated?

Your coverage will probably be efficient for 12 months. Once you’ve reached the 12-month interval, you’ll have 30 days to resume it in your account. If you join EZ-Renew, your coverage will renew robotically.

Our Verdict

If you’re a pet skilled searching for enterprise insurance coverage, PCI is a superb possibility. Along with providing simple on-line entry and a complete Base Policy, they cater to particular person companies with versatile coverage choices. Insurance needs to be handy and inexpensive, and with PCI, it’s. They streamline the method for you and have devoted help brokers able to reply your questions and aid you discover one of the best coverage for you and your purchasers.

The put up Pet Care Insurance Review 2024: Pros, Cons & Verdict by Catster Editorial Team appeared first on Catster. Copying over complete articles infringes on copyright legal guidelines. You will not be conscious of it, however all of those articles had been assigned, contracted and paid for, so they are not thought of public area. However, we recognize that you just just like the article and would adore it should you continued sharing simply the primary paragraph of an article, then linking out to the remainder of the piece on Catster.com.